Disabling javascript and setting my email program to never download remote content helps a lot.
McAfee has been 100% reliable since I began computing. It's cost is reasonable. Free is not free.
I looked at PCMAG's recommendations. Every one had CON's that I'm will to take a chance on.
I do my banking as well as other things on my computer. I won't take chances.
You get what you pay for.
Of course (and this may not be popular) you really don't need "protection" from trackers which are used almost exclusively to show you ads that may interest you based upon what you've looked at in the past.
Similarly, if your phone "hears" you talk about, for example, a new garage door opener, you will suddenly see lots of ads for them.
But by all means, let's be paranoid, because they are all "out to get us."